58% of executives expect their business to shrink over the next 12 months
What digital health & wellness leaders are telling us
Perspectives from 600 senior digital health and wellness executives across North America, Europe and Asia reveal a sector in transition.
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53% now purchase a single tailored multi-risk policy, up from 40% in 2024
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77% plan to use AI in diagnosis
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81% plan to use generative AI in treatment
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32% identify cyber risk as a leading concern
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36% identify competency and professional representation risk as a leading concern
Source: Beazley's 2026 digital health and wellness survey
Five forces reshaping digital healthcare
1. Risk is more complex and interconnected
Cyber, clinical, regulatory and technology risk now overlap. A single event can trigger regulatory investigations, litigation, reputational damage and patient harm.
2. AI is rewriting accountability
AI is transforming diagnosis, treatment, patient support and administration. As automation accelerates, digital health is becoming a bellwether for how society manages the risks and opportunities of the AI era.
3. Human and cyber risks dominate
Digital health organisations are more concerned about workforce competency and cyber threats than traditional clinical risks. Cyber incidents now have the potential to create physical harm.
4. Regulation is catching up
Privacy litigation, data-sharing disputes and regulatory ambiguity are creating increasing uncertainty for virtual care providers and digital healthcare businesses globally.
5. Claims are becoming more important than cost
As risks converge, digital healthcare firms are placing greater value on integrated claims handling and long-term insurer partnerships.
Risk and confidence in digital care
Percentage of global digital health executives selecting these options, by growth expectations and confidence in insurance purchasing, based on Beazley’s 2024 and 2026 Digital Health and Wellness surveys.
What businesses need to know
Softening growth expectations do not signal decline. They signal maturity.
Digital health as a sector is moving beyond its start-up era into a period defined by governance, accountability and resilience.
The future of digital healthcare will be shaped by organisations that can balance innovation with accountability. Those that invest in governance, AI oversight, cyber resilience and trusted partnerships will be best positioned to build confidence and achieve sustainable growth.
For insurers, brokers and business leaders alike, the challenge is no longer simply facilitating growth. It is helping to build trust, resilience and confidence in one of the most important transformations in modern healthcare.
In this environment, businesses need long-term insurance partners who bring clarity, consistency and confidence to their underwriting, and efficient, prompt and dependable claims performance they can rely on.
FAQs
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The biggest challenge is balancing innovation with accountability. As organisations adopt AI, virtual care and connected technologies at greater scale, they must also manage growing regulatory, cyber, privacy and governance risks. Success depends not only on innovation, but also on building trust, resilience and effective risk management.
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AI is transforming healthcare by supporting diagnosis, treatment, patient engagement and administrative workflows. Beazley’s research found that 81% of digital health leaders plan to use AI in patient treatment and 77% plan to use AI in diagnosis.
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Digital health organisations face increasingly interconnected risks. Cyber incidents, regulatory investigations, privacy breaches, technology failures and professional liability exposures can occur simultaneously and create complex chains of consequences, including patient harm, legal action and reputational damage.
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Cybersecurity is no longer just a technology issue. Digital health organisations depend on connected systems, patient data and digital care platforms to deliver services. Cyber incidents can disrupt operations, compromise sensitive data and, in some circumstances, affect patient outcomes. Building cyber resilience is therefore a critical business and patient safety priority.
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The future of digital healthcare will be increasingly personalised, data-driven and AI-enabled. However, long-term success will depend on organisations' ability to manage risk responsibly, maintain regulatory compliance, protect patient data and build trust with patients, partners and regulators.
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Digital health refers to the use of digital technologies, software, data and connected devices to improve healthcare delivery, patient outcomes and operational efficiency. Telehealth is the delivery of healthcare services remotely using digital communications technologies.
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Digital health and wellness companies typically need insurance that reflects their interconnected risks, including professional liability, cyber liability, technology errors and omissions (E&O), media liability and regulatory exposures. As digital healthcare becomes more reliant on AI, telehealth, patient data and connected technologies, many organisations are increasingly seeking integrated insurance solutions that provide comprehensive coverage alongside expert claims support and risk management guidance.